Best Personal Loans in North Las Vegas, NV: Top Lenders & Best Picks for You

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Edited byAshley Jacobs
Edited byAshley Jacobs

Updated: December 28, 2023

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MoneyGeek's Picks for Best Personal Loan Lenders in North Las Vegas, NV

MoneyGeek chose the best personal loan lenders in North Las Vegas by analyzing over 35 distinct variables. APR ranges, income, credit score, repayment terms, loan accessibility, loan disbursal times, fees and penalties and Better Business Bureau (BBB) ratings are just a few of the data points used for the analysis.

We looked at a range of factors to determine the best lenders for borrowers in various situations, including those with excellent credit, poor credit and those in need for debt consolidation loans or home improvement loans. Each borrower may have a different best lender since they each have unique demands and financial profiles.

Best Overall Personal Loan Lender in North Las Vegas: LightStream

  • LightStream

    • 4.49% to 20.49%APR Range
    • 660Minimum Credit Score
    • $5,000 to $100,000Loan Amount Range
    • 24 to 84 monthsRepayment Terms
    • Same DayTime to Receive Funds

    The online lender LightStream is a subsidiary of Truist Financial Corporation (formed after the 2019 merger of SunTrust and BB&T). If you qualify, you could get a loan of up to $100,000 without paying any kind of origination fees, and you may receive the money the same business day. Flexible payment terms from the lender vary from 24 to 84 months, with possible savings for borrowers who set up automatic payments.

    Deciding to pay off your loan earlier will not incur a penalty, either. LightStream's A+ rating from the Better Business Bureau strengthens its position as the city's top overall lender.

    However, a 660 credit score requirement restricts access to its loans to those with good-to-excellent credit. Additionally, loan requests for purposes including paying off or consolidating a current LightStream loan, funding postsecondary education or making business acquisitions will be rejected.


    • No origination fee
    • No prepayment penalty
    • Loans of up to $100,000
    • Autopay discount
    • A+ BBB rating


    • Requires good-to-excellent credit score
    • Hard credit inquiry
    • Minimum loan of $5,000
    • Restrictions on loan usage
    • No co-signers

Best Personal Loan Lender for Bad Credit in North Las Vegas: Upstart

  • Upstart

    • 3.22% to 35.99%APR Range
    • 300Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Next DayTime to Receive Funds

    Upstart, an online marketplace that has been around since 2012, accepts applicants with credit scores as low as 300. It employs artificial intelligence to connect borrowers with lenders. For borrowers who may not have stellar credit or who are venturing into the world of borrowing for the first time, this lender is the best option.

    Upstart’s personal loan amounts range from $1,000 to $50,000, all of which are subject to an origination fee. However, depending on your credit score and history, you might end up paying a high interest rate. Potential candidates for lower APRs have credit scores that range from good to exceptional. Additionally, you should be prepared for a hard credit check during the application process, which could be detrimental to your credit score.


    • Minimum credit score of 300
    • Soft credit inquiry to check eligibility
    • A+ BBB rating
    • No prepayment penalty


    • Potentially high interest rates
    • Hard credit check while applying
    • Origination fee
    • No co-signers
    • Low maximum loan amount

Best Personal Loan Lender for Good Credit in North Las Vegas: SoFi

  • SoFi

    • 5.74% to 20.28%APR Range
    • 680Minimum Credit Score
    • $5,000 to $100,000Loan Amount Range
    • 12 to 60 monthsRepayment Terms
    • Two DaysTime to Receive Funds

    When it comes to loans and other financial services, SoFi (formerly known as Social Finance) is a good alternative, especially for those with a credit score of 680 or higher. Eligible borrowers can obtain a personal loan from SoFi of up to $100,000 with no origination fee, making it the best lender in North Las Vegas for those with good credit. Also, individuals who sign up for automatic payments can receive a discount on their rates.

    The lender also allows co-applicants, which can increase your chances of getting accepted. The unemployment protection program offered by SoFi is another appealing aspect. With that, individuals who face an abrupt loss of employment may be able to delay or reduce their monthly payments.

    However, eligibility verification uses a soft credit check, whereas loan applications use a hard inquiry that does hurt your score.


    • Maximum loans of up to $100,000
    • No origination fee, no prepayment penalty
    • Autopay discount
    • Unemployment protection
    • A+ BBB rating


    • Income requirements
    • No co-signers
    • Won’t accept people with new or no credit
    • High minimum credit score requirement

Best Personal Loan Lender for Debt Consolidation in North Las Vegas: Upgrade

  • Upgrade

    • 5.94% to 35.47%APR Range
    • 560Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Same DayTime to Receive Funds

    Upgrade, a fintech firm formed in 2016, aims to encourage responsible financial behavior among its customers by streamlining the process of obtaining financial products and providing access to free credit health tools. It boasts a Better Business Bureau rating of A+. Since loans are typically disbursed immediately after they are approved, you can get a head start on paying off your debt.

    Borrowers can find relief in the fact that Upgrade loans have fixed interest rates, eliminating the uncertainty that comes with relying on variable APRs. There are no charges for paying off your loan early, either. Considering these factors, the lender is a good option for borrowers in need of a debt consolidation loan.

    Nevertheless, based on your credit score, the APR on an Upgrade personal loan might be high. There may also be origination costs added to your loan total.


    • A+ BBB rating
    • No prepayment penalty
    • Low minimum credit score requirement
    • Soft credit inquiry


    • Origination fee
    • Potentially high APR
    • Late payment fee
    • No co-signers
    • Fund usage restrictions

Best Personal Loan Lender for Home Improvement in North Las Vegas: Best Egg

  • Best Egg

    • 4.99% to 35.99%APR Range
    • 700Minimum Credit Score
    • $2,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Next DayTime to Receive Funds

    Since the company's founding in 2014, Best Egg has been able to provide personal loans through Cross River Bank. Marlette Funding, which is a financial technology company, is the one managing the lender. Best Egg personal loans for home improvements are available in amounts ranging from $2,000 to $50,000 for home improvement and remodeling purposes.

    Best Egg’s online loan application can be convenient for borrowers, and the disbursal of funds occurs quickly (often within one business day). If you want to pay off the loan sooner than it was originally scheduled, you won't have to incur a prepayment penalty. However, due to the lender's stringent requirement that the applicant's minimum credit score be 700, only applicants who have excellent credit scores will have their loan applications approved.


    • Soft credit check to check eligibility
    • A+ BBB rating
    • No prepayment penalty
    • Autopay discount


    • Credit score of 700 and above to be eligible
    • Potentially high APR
    • Hard credit inquiry to process application
    • Origination fee
    • No co-signers
    Best Egg

Where to Start: How to Choose the Best Personal Loan Lender in North Las Vegas for You

Personal loans are frequently used to fund things like debt consolidation, home renovations and more. Your ability to qualify for a personal loan depends on a number of variables, such as your income, credit history and credit score. In Nevada, borrowers have average personal loan debt of $18,301.

MoneyGeek recommends the following steps if you are searching for the best personal loans in North Las Vegas.

Ask Yourself the Important Questions

Before selecting a lender and submitting an application for a personal loan, you must be prepared with answers to the following questions. Knowing these answers can help you determine which lender and terms might be best for you.

  • How much funding do I need?
  • What is my credit score?
  • Can I afford the monthly payment?
  • How much debt do I already have?
Do Your Research

There may be significant differences in the interest rates and fees charged by various lenders as well as in the quotes that they give. Before filing a loan application, it is wise to explore your alternatives so you can choose a reliable lender. Remember that a personal loan is a major financial commitment that must be repaid over a period of two to four years, on average, along with many fees and interest on the loan. However, MoneyGeek only offers general advice, so you should do your own research before making any decisions.


It's normal to feel confused when each lender gives you a different set of features, rates and fees to compare. Personal loans are a big financial commitment, so it might be smart to wait a few days before signing up. Take a few days to contemplate and compare your choices before you choose the lender. You may even figure out another funding option to meet your financial needs.

Read the Fine Print

When comparing various types of personal loans, it is easy to overlook important factors. Before committing to a particular loan provider, it is in your best interest to gather information regarding the fees, interest rates and penalties that the loan carries. Take note of every aspect associated with the loan. Even the smallest details should be carefully considered because they could save you hundreds or even thousands of dollars over time.


You can officially submit your application as soon as you've decided which lender to go with. You should have the appropriate documentation handy to prove your identity, address and financial standing. Although you may prefer applying in person, doing it online can sometimes be more expedient and convenient. However, applying in person, if the option is available, ensures that you can get any questions you have along the way answered.

What to Do if You Can’t Get a Personal Loan in North Las Vegas

The rejection of a borrower's application for a personal loan might be due to a number of factors. If you apply and get rejected, you should not be disappointed. Bad credit, insufficient income, a high outstanding current debt balance or a lack of essential documentation are a few of the reasons that lead to a rejection of personal loan applications.

If a lender turns down your loan application, you must first try to figure out where you went wrong. The lender may recommend measures to enhance your odds, such as reducing the loan's repayment term or lowering the loan amount. If you continue to have difficulty being accepted, you may want to try applying with a co-signer or collateralizing your loan.

Even in times of need, you must avoid acquiring alternative loans like payday loans. These options often have more expensive interest rates and shorter payback terms. Even if you repay a payday loan promptly, you might not see your credit score improve. However, a collection agency may become involved if you either don't pay or pay late, further hurting your credit.

Frequently Asked Questions About Personal Loans in North Las Vegas

The best lender for you will depend on your income, credit history, the loan amount and the purpose of the loan you're seeking, among other factors. Below, you can find the answers to the most common questions about personal loans in North Las Vegas.

What is the best personal loan lender in North Las Vegas?
Which lender in North Las Vegas has the lowest interest rate?
Can I use a personal loan for vacations in North Las Vegas?
Can I use a personal loan for home improvement in North Las Vegas?
What can I not use my personal loan for in North Las Vegas?
How much can I borrow in North Las Vegas?
How long does it take to get a personal loan in North Las Vegas?
Can I pay off my loan early in North Las Vegas?

Our Personal Loan Methodology


Over 30 personal loan providers were evaluated for this analysis using over 35 data points in six major categories: loan affordability, accessibility, customer service, consumer-friendliness, lender transparency and flexibility.

We looked at multiple data points under each category to determine which lender carries the most weight and is the best. These elements include loan amounts accessible, APR ranges, minimum credit score and income requirements, application fees and disbursement time.

At MoneyGeek, we value our customers, so we consider each lender's customer service reputation, company ratings and other features like prequalification, payment alternatives and availability of mobile applications that might give you a better and simpler experience.

Our recommendations are made with your best interests in mind following much research and deliberation. Our personal loan suggestions and professional advice are aimed at assisting you in choosing the best lender for your needs.

Shield Insurance

The content on this page is accurate as of the posting/last updated date; however, some of the rates mentioned may have changed. We recommend visiting the lender's website for the most up-to-date information available.

Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, lender or other entity. Learn more about our editorial policies and expert editorial team.